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Side-by-Side Comparison|Updated March 2026

ICICI Bank Platinum Identity Credit Card vs Air India SBI Signature Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

ICICI Bank

ICICI Bank Platinum Identity Credit Card

7/10
Annual Fee₹750
Base Rewards0.25%
NetworkVisa
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SBI Card

Air India SBI Signature Card

7.2/10
Annual Fee₹4,999
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureICICI Bank Platinum Identity Credit CardAir India SBI Signature Card
Annual Fee₹750₹4,999
Joining Fee₹2,000₹4,999
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.25%0.25%
Reward CurrencyHand-picked RewardsReward Points / Maharaja Points
NetworkVisaVisa
Editor Rating7/107.2/10
Forex Markup3.5%3.5%

Pros & Cons

ICICI Bank Platinum Identity Credit Card

Pros

  • Accelerated rewards of 8 points per ₹200 on annual spends exceeding ₹5 Lakhs.
  • Double rewards on international spends (4 points per ₹200) compared to domestic.
  • Complimentary 24/7 i-Assist concierge services for travel and lifestyle assistance.
  • 1% fuel surcharge waiver at all HPCL pumps for transactions up to ₹4,000.

Cons

  • Low base reward rate of 0.25% (2 points per ₹200) for domestic spends.
  • Domestic lounge access is restricted by a high quarterly spend requirement of ₹75,000.
  • Priority Pass membership is complimentary but individual visits are chargeable at $35+.

Air India SBI Signature Card

Pros

  • High welcome bonus of 20,000 Reward Points worth up to ₹20,000 in Air India miles.
  • Accelerated 10 Reward Points per ₹100 spent on Air India ticket bookings.
  • Generous milestone benefits offering up to 1,00,000 bonus points annually.
  • 1:1 conversion ratio from Reward Points to Air India Maharaja Points (Air Miles).

Cons

  • High annual fee of ₹4,999 with no standard spend-based waiver.
  • Reward rate on Air India tickets was recently reduced from 30 to 10 points per ₹100.
  • International lounge access via Priority Pass is not complimentary (usage fee applies).

Our Verdict

Both ICICI Bank Platinum Identity Credit Card and Air India SBI Signature Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose ICICI Bank Platinum Identity Credit Card if

Best for those who spend over ₹5 Lakhs annually to unlock the 1% reward rate tier.

Choose Air India SBI Signature Card if

Best value for those who frequently book Air India flights and can maximize the 1:1 mile conversion.

Frequently Asked Questions

Which is better: ICICI Bank Platinum Identity Credit Card or Air India SBI Signature Card?
Both ICICI Bank Platinum Identity Credit Card and Air India SBI Signature Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between ICICI Bank Platinum Identity Credit Card and Air India SBI Signature Card?
ICICI Bank Platinum Identity Credit Card has an annual fee of ₹750, while Air India SBI Signature Card has an annual fee of ₹4,999. ICICI Bank Platinum Identity Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: ICICI Bank Platinum Identity Credit Card or Air India SBI Signature Card?
ICICI Bank Platinum Identity Credit Card offers a base reward rate of 0.25%. Air India SBI Signature Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both ICICI Bank Platinum Identity Credit Card and Air India SBI Signature Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank Platinum Identity Credit Card and Air India SBI Signature Card can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank Platinum Identity Credit Card or Air India SBI Signature Card?
For beginners, ICICI Bank Platinum Identity Credit Card may be more approachable with a lower annual fee of ₹750. However, evaluate based on your expected spending pattern rather than fee alone.

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